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Originally Posted by mizzwanned  I have an account at Banco Popular cause my mom made me open one, i really dont like the bank but w.e. I used to be at citibank but closed it there cause they would charge me random charges and didnt like that. Anyway i have a debit card there(at B.P.) and had a certain amount of money on it. Well the other day i had about $143 left on it and bought a $4 metrocard and $17 hair product. That leaves $122 on my card. That same day i made a charge of $144 to buy boots. Now at that time i thought i had enough on the card to buy the boots but that night i checked and realized i went over so i knew i had to pay the $30 overdraft fee cause of the boots. Anyway i checked today online and realized they charged me 3 overdraft fees of $30 each, so $90 in total, plus the extra for the boots that i didnt have, so now i owe $112. I feel robbed! They should have only charged me one overdraft fee, am i right? I made the first 2 charges while i still had enough money on my card, the only charge i made was the last one that i went over. But they are charging me for the other 2 as well. Then when i checked online at my history they made it seem like i bought the boots first and then made the other 2 charges...but i bought the boots last! I even have the receipts. Am i wrong? Do they charge me 3x cause i bought everything that same day? I feel cheated and now have to pay triple what i owe! |
Im sorry this happend to you but let me explain how it was not a bank error. OKay yes you purchased the metro card and the hair product before the boots. However, if they were
pending transactions and had not COMPLETELY cleared the account. So then you purchased the boots that were 144.00 (your account had 143.00) So if the boots cleared be fore the two small transactions, you would have been charged by the bank the correct amount. Also it depends on when the company's batch out their card purchases. Some companies batch them daily, some batch them weekly, some batch even MONTHLY... which sucks but thats how it gets you. Sorry to disappoint you with this information. The only reason i know this is i work for a bank and i see how these clear. Its sad but thats how it works.